Credit union · NCUA insured
Chessie Federal Credit Union Savings Rates
Chessie Federal Credit Union’s best savings rate is 0.95% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Chessie Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cumberland, MD-WV, where Chessie Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chessie Federal Credit Union
0.95%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $95
Money Market Account
Top rate
Dollar Bank
3.75%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $375
2nd-highest rate
First Peoples Community Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $150
Chessie Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.95%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Chessie Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.95%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.90% | — |
| $10,000 – $39,999 | 0.95% | $95 |
| $40,000 – $99,999 | 1.06% | — |
| $100,000 – $199,000 | 1.26% | — |
| $200,000 and up | 1.36% | — |
Sources (2)
- chessiefcu.org/accounts/saving…nts/money-market-account
- chessiefcu.org/rates/savings-mma-share-and-ira-rates
All captured Oct 4, 2026
Share Savings
0.10%APY
Establishes membership with the credit union. No minimum balance requirements. 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Coverdell Education Savings Account (ESA)
2.53%APY
Designated beneficiary must be under 18 when contributions are made. $2,000 maximum annual contribution per child. Money must be withdrawn by the time beneficiary turns 30. Tax-free and penalty-free when used for qualified education expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDesignated beneficiary must be under 18 when contributions are made. Income limits apply to contribute. $2,000 maximum annual contribution per child.Any balance | 2.53% | $253 | Designated beneficiary must be under 18 when contributions are made. Income limits apply to contribute. $2,000 maximum annual contribution per child. |
Individual Retirement Accounts (IRAs)
2.53%APY
Traditional and Roth IRA options. Annual contribution limits apply. Additional $1,000 catch-up contribution allowed for ages 50+.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA. No income limits to open; contributions are tax deductible. Withdrawals begin at age 59 1/2. Mandatory withdrawals at age 72.Any balance | 2.53% | $253 | Traditional IRA. No income limits to open; contributions are tax deductible. Withdrawals begin at age 59 1/2. Mandatory withdrawals at age 72. |
Christmas Club
0.10%APY
Christmas Club funds can only be issued in September. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds can only be issued in September.Any balance | 0.10% | $10 | Funds can only be issued in September. |
Sources (3)
- chessiefcu.org
- chessiefcu.org/accounts/savings-accounts/club-accounts
- chessiefcu.org/rates/savings-mma-share-and-ira-rates
All captured Oct 15, 2026
Moola-Moola Kids Club
0.10%APY
For kids ages 13 and under. Children under 18 cannot withdraw without written permission from a parent/guardian. Kids receive a prize for each $25 deposit. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceKids ages 13 and under. Kids receive a prize for each $25 deposit.Any balance | 0.10% | $10 | Kids ages 13 and under. Kids receive a prize for each $25 deposit. |
Vacation Club
0.10%APY
Withdraw from Vacation Club at anytime. No minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWithdraw at anytime.Any balance | 0.10% | $10 | Withdraw at anytime. |
Sources (3)
- chessiefcu.org
- chessiefcu.org/accounts/savings-accounts/club-accounts
- chessiefcu.org/rates/savings-mma-share-and-ira-rates
All captured Oct 15, 2026
Who can join Chessie Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, as well as businesses and legal entities located in Allegany County (MD), Garrett County (MD), the western portion of Washington County (MD), Mineral County (WV), or Taylor County (WV) are eligible for membership.
Employers and groups
- Employees and members of listed Select Employer Groups are eligible for membership.
Family and household
- All family members of current members are eligible to join.
Cost to join
- An account can be opened online with a $10 deposit.
Membership information collected October 4, 2026.